Paypal is not a scam but its actually too much tied with rules and regulations and some horrible terms and conditions and that is what makes PayPal look like a scam, but in reality its not.
That's right, probably because they're based on first world country which is US and really tied with the rules, can't even breaking any rules if they want to keep their company running and gain profit
most of regulations or rules which is released by paypal and inserted into their website just really limiting the freedom of their users in my honest opinion